Who Has the Cheapest Oakland Auto Insurance for a Honda Accord?

Finding the best cheap insurance for a Honda Accord in California doesn’t take a lot of effort, but it hinges on many rating criteria such as how old the Accord is, whether or not you have filed claims in the past, and your motor vehicle report. California drivers will pay around $1,620 per year for Accord insurance, but that is an estimate based on a 40-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.

The problem with using this number is the good chance you are not 40 years old and maybe not even male, you might be married instead of single, or maybe you live in a different area as the quoted rates. Having the smallest difference in rating variables or coverage information can make a big difference in the cost of insurance for a Honda Accord.

Every driver’s needs are different, and that is why the way we recommend to find affordable rates for your Honda is to do the rate comparisons yourself. Quotes only take a few minutes and you will receive rate quotes from some of the most affordable companies that insure vehicles in California.

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The trim level of your Honda will most likely have an effect on price, so the price you will be charged to insure a Accord LX 4-Dr Sedan trim level will cost $582 less than the cost to insure the high end Accord EX-L 2-Dr Coupe trim level, as demonstrated by the prices below.

Honda Accord Insurance Rates in Oakland, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Accord LX 4-Dr Sedan $324 $648 $454 $26 $136 $1,588 $132
Accord EX 4-Dr Sedan $324 $648 $454 $26 $136 $1,588 $132
Accord LX-P 4-Dr Sedan $324 $648 $454 $26 $136 $1,588 $132
Accord EX-L 4-Dr Sedan $372 $790 $454 $26 $136 $1,778 $148
Accord EX 2-Dr Coupe $372 $930 $604 $36 $180 $2,122 $177
Accord LX-S 2-Dr Coupe $372 $930 $604 $36 $180 $2,122 $177
Accord EX-L 2-Dr Coupe $420 $930 $604 $36 $180 $2,170 $181
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in zip code location which can change rates substantially.

Car insurance company ratings

Finding the right auto insurance company can be rather challenging considering how many different companies sell coverage in Oakland. The company ratings in the lists below can help you pick which car insurance providers to look at purchasing a policy from.

These ratings are only comprised of large, nationwide insurance companies, so companies that focus mainly on California business are not included in the list. To compare prices from these and other top-rated companies, follow this link.

Top 10 Major Auto Insurance Providers in Oakland Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Violations and accidents raise rates

One of the best ways to obtain cheap car insurance rates in Oakland for an Accord is to drive attentively and avoid getting tickets or having accidents. The chart below demonstrates how citations and accident claims raise auto insurance costs for different age groups. The rates are based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.

In the previous example, the average cost of a car insurance policy in California per year with no violations or accidents is $2,003. Get one speeding ticket and the average cost increases to $2,259, an increase of $257 each year. Now throw in one accident along with the one speeding ticket and the annual cost of car insurance for a Honda Accord jumps again to an average of $2,972. That’s an increase of $969, or $81 per month, just for not driving safely!

The diagram below demonstrates how choosing different deductibles can raise or lower annual premium costs when getting quotes for cheap insurance for a Honda Accord. The rate quotes are based on a married male driver, full coverage, and no discounts are applied.

The chart above illustrates that a 30-year-old driver could pocket $476 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $718 by changing to a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could reduce their rates as much as $1,434 each year by using a higher deductible. If you do make the decision to raise your deductibles, it’s a good idea to have additional funds squirreled away to allow you to pay the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

Full coverage versus liability only rates

Finding the cheapest car insurance is probably important to most people, and one easy way to pay less for insurance for a Honda Accord is to not pay for full coverage. The diagram below illustrates the comparison of car insurance rates with full physical damage coverage and with liability coverage only. The rate quotes are based on no accidents, no driving violations, $100 deductibles, single status, and no discounts are applied to the premium.

If we average the cost for ages 20 through 70, physical damage coverage costs $3,385 per year more than carrying just liability coverage. That proposes the question when is the right time to remove full coverage. There is no written rule for phasing out physical damage insurance, but there is a general guideline. If the yearly cost of full coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.